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Digg it UP - Preparing for College
Owning a credit card can be quite an advantage. Whether making online purchases, booking an air ticket or a hotel room on the phone or simply being in need of some emergency cash, having a credit card can be a big help. However, getting a credit card is also a huge responsibility and if you don't keep an eye on your spending habits, credit cards can create some serious problems. Here is an excellent list of tips on proper credit card use and if you follow these, you will likely stay out of trouble and your credit card will be a blessing instead of a curse:1. When you make a purchase with the credit card, it is akin to taking a loan from your bank. What you have borrowed has to be returned - so do not borrow beyond your capacity to pay it back.2. Always maintain a record of your credit card balances during a month so that you are aware of what you have already spent. This will help you evaluate if you can make any more purchases in that month as even small purchases can add up to large balances.3. Retain all receipts at least untill you can compare them to the credit card monthly statement. If some purchases do not match or if some charges are higher than those on the receipt, immediately contact your credit card company.4. Never give out your credit card to anyone! This includes people in your family and any of your friends. It is not that you cannot trust these individuals, but you cannot track purchases you are not even making.5. When you charg
Scores: Every school has different score and GPA requirements. But usually it is a combination of the two, for example an exceptionally high exam score can give you a little room on your GPA, and vice versa.
PSAT/National Merit Scholarship Qualifying Test: Evalutes skills in critical reading, math problem solving and writing.
SAT: Tests critical reading, math problem solving and writing skills.
ACT: Comprises multiple-choice sections that cover English, mathematics, reading and science. The test also offers a written test that evaluates a short essay.
How to prepare for the college entrance exams:
If you are an online article writer you can promote yourself as an expert by posing as an authority and claiming you have attained wisdom and knowledge. Or you can stand aside from the so-called experts and stand on your observations, experience and talents. Perhaps you have achieved the pinnacle and can do all of this. Either way you need to know where you stand.How can a reader know where you stand? They may read an excellently written article by a great writer who in reality knows very little about their subject matter. Perhaps it is the only article they have ever written on the subject, they may in fact know very little about the topic past that one article. Are they an expert? Certainly not, but they might appear to be from the reader's perception. What if someone has written lots of articles on the subject?Well in fact this might indeed be a better indication, but like many who follow the online article venue, I too have the same question, because it seems like the numbers are irrelevant really, but some believe otherwise and it is an interesting point of contention. Shouldn't we question the so-called experts; isn't this what Einstein indeed also tells us to do? He advises us to question the experts.Personally as an online article author, I am so busy questioning the experts, I might feel slighted if one were to proclaim me one, although it appears there is no escaping it, as Einstein admitted later in life how he lambasted the experts only to become one himself? Indeed, isn't
What are you and your child doing to prepare for college?
THE EARLY YEARS
Begin college preparation in kindergarten, young students are receptive to thinking about college. Spend the early years exploring study methods, reading and experiencing life, find opportunities that increase curiosity and open the mind to creative and organized thought processes. Foster goal oriented thinking and time management skills in the child, so in the future they will have the tools to keep themselves on task.
Young students are especially successful at learning languages and music, even a child as young as four or five can start taking piano or keyboard lessons. If you have the means to expose them to a second language through travel or tutoring, give it a try, children can pick up second languages much faster than adults.
Of course, it is never too early to open a college savings account.
JUNIOR HIGH
By junior high, students should have a solid understanding of mathematics and be able to compose logical, grammatically correct essays.
Establish a college savings fund or other fund designed specifically for higher education if you haven’t already, this is a good time to start. See your local bank or credit union to find an account that offers the best rate. Parents should discuss investments and deposits to the college fund with the child, it is important that they understand the realities of how much college and living outside the home costs.
Children at this age are capable of visualizing their own future independent of parents, and strive for a decision-making role in their own lives. Recognize and respect uniqueness, support interests and allow them to evaluate opportunities. Of course, teenagers might think they know everything, so before they make a choice, ask them carefully thought out questions to guide them to a logical and informed decision.
HIGH SCHOOL
In high school, curriculum, grade point average and extracurricular activities become important factors in regards to college entrance requirements and scholarship opportunities.
Generally, most colleges desire that the student successfully complete the following basic subjects in high school:
College Guidance Counselor: Students should begin meeting with a guidance counselor at the beginning of 9th grade to ensure that all of the proper course work is taken, maintain a relationship throughout high school. Often the counselor can provide information on college entrance exams and scholarship information.
A Note on Mathematics: Since many students struggle to retain their math skills, it is unwise to skip math in the senior year. Forgetting valuable information before taking placement exams, Advanced Placement Tests, the SAT or ACT could prevent the student from receiving a high score or require them to take a remedial math class in college.
Quite often parents have forgotten their advanced math course work and do not have the skills to help with homework, so investing in a tutor could prove beneficial. Usually a knowledgeable and affordable tutor can be found at a local university or junior college.
One way to keep math skills sharply honed, instead of four years of math, is by taking a year of trigonometry, algebra or calculus based physics. Many bachelor degree programs only require statistics or intermediate college algebra, so even if the student does not make it through calculus in high school, for most programs they will be adequately prepared with intermediate algebra, geometry and trigonometry.
The Essay: Learning to write essays well will help students to succeed in college and most scholarship applications will require an essay of some sort. Even math or microbiology majors write essays, so learning to write a good essay is paramount.
Honor Classes: Colleges not only look at grades, but also the coursework, quite often a B grade in an advanced placement class or an honors class will carry more weight than an A grade in a regular class. So even if the curriculum is more challenging, enroll in honor level class or advanced placement classes whenever possible.
Extracurricular: Colleges look for well-rounded students who contribute to their community. Extracurricular activities whether in sports, student government, art or volunteer work enriches school and life experiences, provides the opportunity to learn teamwork and connects students to the community in which they live.
Sometimes competition to get on high school sports teams excludes students from participating, if this is the case, look for other activities such as karate, dance or intramural teams. Often students as young as 16 years of age can enroll in local university/junior college courses in subjects such as rock-climbing, kayaking or racquetball.
Student government provides leadership skills, colleges look for students that have held a student officer position, participated as a class representative or in campus clubs.
Some students enjoy participating in local theatre productions or taking art classes.
Volunteer opportunities are unlimited, look around in the community and find something of interest. Better yet, if there is an unmet need in the community, create the solution.
Employment: Consider summer employment to assist with college expenses and to learn valuable work skills and responsibility. Colleges especially favor young entrepreneurs.
Mentoring/ Job Shadowing: It is never too early to research real-life employment situations. If a student thinks they want to be an accountant, find a willing accountant in the community that can answer questions about the day-to-day realities of their job and the training required to perform their duties. Quiet often too much time is spent thinking about a dream job without researching the realities. Half way through college or after graduation is too late to start investigating career choices. So before valuable time and money is wasted, evaluate career choices thoroughly.
Letters of Recommendation: In the junior year, after establishing good relationships with teachers and leaders in the community, ask for letters of recommendations to accompany college and employment applications.
COLLEGE ENTRANCE EXAMS
Most colleges and universities require either SAT or ACT scores and the PSAT qualifies students for the National Merit Scholarship. Contact the selected universities and inquire about which exam they require. However, do not limit the opportunity of attendance at a different university, take both exams, so all options are available. Do not let financial hardship prevent the student from taking these tests, talk to the guidance counselor about a fee waiver. All of the exams can make accommodations for students with documented disabilities.
Scores: Every school has different score and GPA requirements. But usually it is a combination of the two, for example an exceptionally high exam score can give you a little room on your GPA, and vice versa.
PSAT/National Merit Scholarship Qualifying Test: Evalutes skills in critical reading, math problem solving and writing.
SAT: Tests critical reading, math problem solving and writing skills.
ACT: Comprises multiple-choice sections that cover English, mathematics, reading and science. The test also offers a written test that evaluates a short essay.
How to prepare for the college entrance exams:
There are often a lot of articles around the web with tips on how to get more attention with business card designs. It often has a lot of marketing gimmickry and made-up stories to get attention. But having to get a maximized business card design does not need too much trouble.Giving extra attention on your project are all you need. With a good professional design your card and a credible online printer, you are well off to get a good business card design. Business cards are the first things to be used as a basic introduction to your business, often they are handed out personally; this requires a lot of effort especially on your side to personalize your card.But with a good content and illustrations all you need a good printer to make them. The production choices are simply better with the online solution and it is more convenient than going to a local printer and traveling all the way there just to canvas the costs of your printing project.Here are some of the things to get more attention to your personalized business cards.Use the best printing method possible. Business cards are compact; hence the costs can be minimal compared to other types of printing projects. You need to use four color printing; there is no need for digital prints as they can be a little inferior on color reproduction, you won’t notice much on the costs when you opt for four color printing. As with the evolution of printing technology, the costs can be minimal due to competition and higher quality stand
HIGH SCHOOL
In high school, curriculum, grade point average and extracurricular activities become important factors in regards to college entrance requirements and scholarship opportunities.
Generally, most colleges desire that the student successfully complete the following basic subjects in high school:
College Guidance Counselor: Students should begin meeting with a guidance counselor at the beginning of 9th grade to ensure that all of the proper course work is taken, maintain a relationship throughout high school. Often the counselor can provide information on college entrance exams and scholarship information.
A Note on Mathematics: Since many students struggle to retain their math skills, it is unwise to skip math in the senior year. Forgetting valuable information before taking placement exams, Advanced Placement Tests, the SAT or ACT could prevent the student from receiving a high score or require them to take a remedial math class in college.
Quite often parents have forgotten their advanced math course work and do not have the skills to help with homework, so investing in a tutor could prove beneficial. Usually a knowledgeable and affordable tutor can be found at a local university or junior college.
One way to keep math skills sharply honed, instead of four years of math, is by taking a year of trigonometry, algebra or calculus based physics. Many bachelor degree programs only require statistics or intermediate college algebra, so even if the student does not make it through calculus in high school, for most programs they will be adequately prepared with intermediate algebra, geometry and trigonometry.
The Essay: Learning to write essays well will help students to succeed in college and most scholarship applications will require an essay of some sort. Even math or microbiology majors write essays, so learning to write a good essay is paramount.
Honor Classes: Colleges not only look at grades, but also the coursework, quite often a B grade in an advanced placement class or an honors class will carry more weight than an A grade in a regular class. So even if the curriculum is more challenging, enroll in honor level class or advanced placement classes whenever possible.
Extracurricular: Colleges look for well-rounded students who contribute to their community. Extracurricular activities whether in sports, student government, art or volunteer work enriches school and life experiences, provides the opportunity to learn teamwork and connects students to the community in which they live.
Sometimes competition to get on high school sports teams excludes students from participating, if this is the case, look for other activities such as karate, dance or intramural teams. Often students as young as 16 years of age can enroll in local university/junior college courses in subjects such as rock-climbing, kayaking or racquetball.
Student government provides leadership skills, colleges look for students that have held a student officer position, participated as a class representative or in campus clubs.
Some students enjoy participating in local theatre productions or taking art classes.
Volunteer opportunities are unlimited, look around in the community and find something of interest. Better yet, if there is an unmet need in the community, create the solution.
Employment: Consider summer employment to assist with college expenses and to learn valuable work skills and responsibility. Colleges especially favor young entrepreneurs.
Mentoring/ Job Shadowing: It is never too early to research real-life employment situations. If a student thinks they want to be an accountant, find a willing accountant in the community that can answer questions about the day-to-day realities of their job and the training required to perform their duties. Quiet often too much time is spent thinking about a dream job without researching the realities. Half way through college or after graduation is too late to start investigating career choices. So before valuable time and money is wasted, evaluate career choices thoroughly.
Letters of Recommendation: In the junior year, after establishing good relationships with teachers and leaders in the community, ask for letters of recommendations to accompany college and employment applications.
COLLEGE ENTRANCE EXAMS
Most colleges and universities require either SAT or ACT scores and the PSAT qualifies students for the National Merit Scholarship. Contact the selected universities and inquire about which exam they require. However, do not limit the opportunity of attendance at a different university, take both exams, so all options are available. Do not let financial hardship prevent the student from taking these tests, talk to the guidance counselor about a fee waiver. All of the exams can make accommodations for students with documented disabilities.
Scores: Every school has different score and GPA requirements. But usually it is a combination of the two, for example an exceptionally high exam score can give you a little room on your GPA, and vice versa.
PSAT/National Merit Scholarship Qualifying Test: Evalutes skills in critical reading, math problem solving and writing.
SAT: Tests critical reading, math problem solving and writing skills.
ACT: Comprises multiple-choice sections that cover English, mathematics, reading and science. The test also offers a written test that evaluates a short essay.
How to prepare for the college entrance exams:
A large number of individuals have flood insurance coverage on their homes. These individuals are likely to live in an area of the United States that is prone to flooding. Individuals all over the United States, no matter how large or small the flooding risk, are encouraged to have home flood insurance coverage. Despite the fact that a large number of individuals do have flood insurance coverage, an even large number of residents are not protected.There are a wide variety of different reasons why a homeowner may decide not to obtain home flood insurance coverage. Some individuals can spend their whole life living in a home and not have it flood once, but why take the risk? One day of a large amount rainfall or a large water leak can cause serious damage to a home. That is why homeowners are encouraged to obtain a flood insurance policy for their home.Many homeowners do not obtain home flood insurance because they are not fully educated on what flood insurance does. Individuals who have been luckily enough not to experience flooding are not always aware of the risks and the cost of damages. That is why it is important for all homeowners to educate themselves on home flood insurance.One of the most important things that a homeowner needs to understand about flood insurance is that every individual, no matter where they live, is able to obtain it. Whether you experience flooding on a yearly basis or on rare occasions, you should be able to obtain home flood insurance coverage. Th
The Essay: Learning to write essays well will help students to succeed in college and most scholarship applications will require an essay of some sort. Even math or microbiology majors write essays, so learning to write a good essay is paramount.
Honor Classes: Colleges not only look at grades, but also the coursework, quite often a B grade in an advanced placement class or an honors class will carry more weight than an A grade in a regular class. So even if the curriculum is more challenging, enroll in honor level class or advanced placement classes whenever possible.
Extracurricular: Colleges look for well-rounded students who contribute to their community. Extracurricular activities whether in sports, student government, art or volunteer work enriches school and life experiences, provides the opportunity to learn teamwork and connects students to the community in which they live.
Sometimes competition to get on high school sports teams excludes students from participating, if this is the case, look for other activities such as karate, dance or intramural teams. Often students as young as 16 years of age can enroll in local university/junior college courses in subjects such as rock-climbing, kayaking or racquetball.
Student government provides leadership skills, colleges look for students that have held a student officer position, participated as a class representative or in campus clubs.
Some students enjoy participating in local theatre productions or taking art classes.
Volunteer opportunities are unlimited, look around in the community and find something of interest. Better yet, if there is an unmet need in the community, create the solution.
Employment: Consider summer employment to assist with college expenses and to learn valuable work skills and responsibility. Colleges especially favor young entrepreneurs.
Mentoring/ Job Shadowing: It is never too early to research real-life employment situations. If a student thinks they want to be an accountant, find a willing accountant in the community that can answer questions about the day-to-day realities of their job and the training required to perform their duties. Quiet often too much time is spent thinking about a dream job without researching the realities. Half way through college or after graduation is too late to start investigating career choices. So before valuable time and money is wasted, evaluate career choices thoroughly.
Letters of Recommendation: In the junior year, after establishing good relationships with teachers and leaders in the community, ask for letters of recommendations to accompany college and employment applications.
COLLEGE ENTRANCE EXAMS
Most colleges and universities require either SAT or ACT scores and the PSAT qualifies students for the National Merit Scholarship. Contact the selected universities and inquire about which exam they require. However, do not limit the opportunity of attendance at a different university, take both exams, so all options are available. Do not let financial hardship prevent the student from taking these tests, talk to the guidance counselor about a fee waiver. All of the exams can make accommodations for students with documented disabilities.
Scores: Every school has different score and GPA requirements. But usually it is a combination of the two, for example an exceptionally high exam score can give you a little room on your GPA, and vice versa.
PSAT/National Merit Scholarship Qualifying Test: Evalutes skills in critical reading, math problem solving and writing.
SAT: Tests critical reading, math problem solving and writing skills.
ACT: Comprises multiple-choice sections that cover English, mathematics, reading and science. The test also offers a written test that evaluates a short essay.
How to prepare for the college entrance exams:
‘Hi, I’m a struggling writer, would you like to buy me a drink?’There are thousands of writers out there and they call themselves by many different names; Copywriters, Copy-editors, SEO writers, Ad-copy writers, Freelance writers…the list goes on and on. And some of them even think that it’s a good idea to stick a load of SEO’ed phrases into the top paragraph of an article to see if they can get away with it.Nevertheless, there are many kinds of writer and they all have to get by, and (believe it, if you will) they all need to eat. This is especially true for those of us who have decided that enough is enough, that ‘I’m going to do this full time, and to heck with stacking those shelves!’We can’t all be wowing the ladies (or the gents) with the stock writer chat-up lines. No, some of us might even be making some serious money. Some of us might even be able to buy them a drink.If you’ve been doing this job for a while you probably know what the curse is, but I’m going to spell it out anyway, because I’m a writer and that’s what I do.The Freelance Curse Too much work; too little time.Too little work; too much time.And the deadlines all merge into one!Professional Writing of any kind is a big commitment. It’s an amazing feeling to have your words published, to find your own name nestling at the top of the Google search results. Yet, writing can also be very hard, time consuming and often rather frustrating, when all your clients decid
Volunteer opportunities are unlimited, look around in the community and find something of interest. Better yet, if there is an unmet need in the community, create the solution.
Employment: Consider summer employment to assist with college expenses and to learn valuable work skills and responsibility. Colleges especially favor young entrepreneurs.
Mentoring/ Job Shadowing: It is never too early to research real-life employment situations. If a student thinks they want to be an accountant, find a willing accountant in the community that can answer questions about the day-to-day realities of their job and the training required to perform their duties. Quiet often too much time is spent thinking about a dream job without researching the realities. Half way through college or after graduation is too late to start investigating career choices. So before valuable time and money is wasted, evaluate career choices thoroughly.
Letters of Recommendation: In the junior year, after establishing good relationships with teachers and leaders in the community, ask for letters of recommendations to accompany college and employment applications.
COLLEGE ENTRANCE EXAMS
Most colleges and universities require either SAT or ACT scores and the PSAT qualifies students for the National Merit Scholarship. Contact the selected universities and inquire about which exam they require. However, do not limit the opportunity of attendance at a different university, take both exams, so all options are available. Do not let financial hardship prevent the student from taking these tests, talk to the guidance counselor about a fee waiver. All of the exams can make accommodations for students with documented disabilities.
Scores: Every school has different score and GPA requirements. But usually it is a combination of the two, for example an exceptionally high exam score can give you a little room on your GPA, and vice versa.
PSAT/National Merit Scholarship Qualifying Test: Evalutes skills in critical reading, math problem solving and writing.
SAT: Tests critical reading, math problem solving and writing skills.
ACT: Comprises multiple-choice sections that cover English, mathematics, reading and science. The test also offers a written test that evaluates a short essay.
How to prepare for the college entrance exams:
An ISA is a tax free savings account which often has an investment element whereby those with ISA's can invest up to ?7000 a year in stocks and shares tax free.Transferring your ISA can enable you to get a better rate of return on your investment by allowing you to invest in different ISA funds.The ISA transfer process is completely free of charge but your existing fund manager might charge you an exit fee if you decide to transfer your ISA.This article provides an overview of the ISA transfer process to help you decide whether or not to transfer your ISAWhat is the Length of the ISA Transfer Process The process of transferring an ISA usually takes about 4-6 weeks.Do I Have to Transfer All My ISA Funds or Can I Keep Some of My Existing FundsIf you have a current year ISA then you have to transfer all of your ISA funds. With other accounts, you can opt to transfer some funds and leave the others behind.Can I Make Contributions to My ISA Whilst it is Being TransferredIt’s best to make one-off contributions either before you send in your ISA transfer form or after the transfer process has been completed.Do My Funds Stay in an ISA While I am Transferring ThemYes.Will I be Liable For Capital Gains Tax if I Transfer My ISANo.How will an ISA Transfer Affect My Monthly Savings PlanOnce you have received the letter confirming that the ISA transfer process has been compl
Scores: Every school has different score and GPA requirements. But usually it is a combination of the two, for example an exceptionally high exam score can give you a little room on your GPA, and vice versa.
PSAT/National Merit Scholarship Qualifying Test: Evalutes skills in critical reading, math problem solving and writing.
SAT: Tests critical reading, math problem solving and writing skills.
ACT: Comprises multiple-choice sections that cover English, mathematics, reading and science. The test also offers a written test that evaluates a short essay.
How to prepare for the college entrance exams:
Advanced Placement Tests: These tests can earn credit in college level courses and eligibility for an AP Scholar Award. Tests are single subject exams, offered in 35 different subjects, ranging from art history to physics to world history. These tests can be taken any year, but contact the AP coordinator, or call AP Services at 888-225-5427 to find the local AP coordinator and testing schedule.
Financial Aid and Scholarships: Federal Pell grants are available for students who have financial need; qualification is based on parents’ income. To apply for the Pell grant call 1-800-4FED-AID or apply online at www.fasfa.com. Talk to the universities’ financial aid office to inquire about other funds, scholarships, grants and student loans. Tuition can be costly, but do not forget living expenses, which in some cases require more money than tuition and books.
College Application: During the summer before the senior year, finish the final research on college selection and check on their website to find out the freshmen application date. Be sure to find out what other items they require such as, test scores, transcripts, letters of recommendation or other documents such as proof of disability or military status.
LEAVING HOME
Many kids will leave their parent’s home to attend college. Learning to balance life, schoolwork and employment is a difficult task for many students. So preparing for these issues before leaving home can greatly increase the chances for a smooth transition between high school and living at home to college and living on their own.
Life Skills: Knowing how to write an essay or memorization of the quadratic formula will not help with day-to-day living, helpful skills to learn before leaving home include:
Proper preparation can help guarantee success and a smooth transition to independence. Preparing for college and preparing for adult life should not be left to chance or with hopes that knowledge will come naturally during the high school years. Most of all, it is important to not limit opportunity and choice by bad preparation.
References
College Board - http://www.collegeboard.com/splash-
Rigoglioso, Marguerite. Stanford Graduate School of Business: Bad Preparation Puts Community College Students at Risk. - http://www.gsb.stanford.edu/news/research/socialinnovation_kirst_collegestudents.shtml
U.S. Department of Education, Office of the Under Secretary, Preparing Your Child for College - http://www.ed.gov/pubs/Prepare/pt5.html
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